Planning one’s end of life expenses is not something many people like to think about. However, neglecting this can cause loved ones even more hardship and burdens during their time of grief. Whole life insurance plans can help prevent this from happening. Unlike shorter duration policies, this type of plan lasts for a lifetime. This means the insurer cannot revoke coverage or increase costs should the policy holder’s health decline. Although payments may seem somewhat higher than that of other types, this is because premiums are not increased due to advancing age. They are locked in at the rate in which the policy was bought. Depending on the plan, the insurer may only pay these rates for a stipulated period and there are no more costs to them. There is no need to go without adequate coverage or worry about increasing costs with the wide array of options available for whole life plans.